7 Best Crypto Robo Advisors

Crypto Investing by Betterment, previously known as Makara, is our top pick for the best crypto robo advisor. It uses a clever combo of tech and expert advice to make a diverse mix of cryptocurrencies for your portfolio, depending on how adventurous you're feeling with your money.

You can choose between four selections of Crypto portfolios:

• Universe: A broad selection of diversified coins across the crypto landscape.
• Sustainable: A stronger focus on crypto assets using more sustainable practices.
• Metaverse: Exposure to crypto assets focused on new digital experiences.
• Decentralized Finance (DeFi): Assets offering decentralized financial services.

Betterment doesn't stop at crypto. The robo advisor has a solid reputation in the traditional money world too, offering automated portfolios, high-yield cash accounts, and services like tax-loss harvesting, retirement planning, and automatic portfolio rebalancing.

The platform is user-friendly, and security is top-notch, so you can rest easy knowing your money and data are safe. They also offer a Premium hybrid robo advisor, which comes with unlimited access to human financial advisors. Read our Betterment review here.

Betterment's crypto portfolio management fees are 1.0% per year, plus a 0.15% trading fee per trade. There's a $0 account minimum, and it includes automated rebalancing and risk and investment advice.

Even though their fees aren't cheap, we believe Betterment Crypto is the best robo advisor for investing in cryptocurrency.

Wealthfront is a big name in robo-advising. In fact, they're one of the best robo advisors on the market today, with market-leading banking and investment accounts, features you won't find at other robo advisors or trading firms, a great high-yield cash management account, individual stock trading, and much more.

Wealthfront becomes a crypto robo advisor in the form of exposure to the Grayscale Bitcoin Trust (GBTC) and Grayscale Ethereum Trust (ETHE). You can add them to your investment portfolio just like any other ETF, and they'll manage it all for you, tax-efficiently.

Of course, this means that you don't own the crypto directly, but through the fund instead, and your only options are BTC & ETH, which is the only reasons that Wealthfront doesn't earn the #1 spot on our list.

Having said that, this also means that Wealthfront's normal, very-low management fees apply: only a 0.25% annual fee, no matter your balance, and you get your first $5,000 managed for free by signing up with our link. Wealthfront has an account minimum of only $500.

Wealthfront's also got retirement accounts and financial planning tools to offer. With a very user-friendly platform and top-notch customer service, they're a great option for anyone, whether you're a crypto pro or a newbie.

M1 Crypto mixes the old with the new, blending traditional finance with crypto investing. You can customize your portfolio or choose one made by pros.

This combo of traditional and crypto investments means you can dip your toes into the high returns of crypto while still keeping some safety nets.

M1 Finance offers even more, like fractional shares investing, low-cost borrowing, and high-yield checking. It's a one-stop shop for all your investment and financial needs.

And to top it off, M1 Finance is completely free, and offers additional features with its M1 Plus account. Apex Crypto, M1's custodial partner, however, charges a 1% or 100 basis points fee to all crypto transactions on purchases and sales, reflected in the execution price.

Shrimpy Advisory is a new robo-advisor specializing in automated crypto investing. It is specifically designed for beginners who can get started without any minimum deposit. Shrimpy considers a few factors, such as risk tolerance and investment timeline, to recommend a curated portfolio of cryptocurrencies that aligns with user goals.

One of the unique features of Shrimpy is its selection of "Crypto Baskets." These are carefully assembled collections of cryptocurrencies based on specific themes or sectors. Users can choose from baskets like Bitcoin and Ethereum, Utility, Blue Chip, DeFi, Layer 1, and Web3. Each basket has a unique allocation strategy and offers a different level of exposure to the crypto market.

Shrimpy Advisory also offers a dashboard where users can manage their deposits, withdrawals, track their portfolio performance, update their strategy, and view their trade history. There's an autopilot feature for those who prefer a more hands-off approach. With autopilot, Shrimpy will proactively manage your portfolio when the compositions of the crypto baskets change due to market conditions.

The pricing is straightforward, with a charge of 1.2% of the total cryptocurrencies under management annually. The fee is higher than most competitors, but if you're interested in automated crypto investing, the fee might be worth it.

We'll be keeping an eye on Shrimpy, as they might end up moving higher on our list.

Titan Crypto brings a twist to the game with actively managed crypto portfolios. They've got a smart team using high-tech algorithms to keep up with the fast-paced investment market. This is great for maximizing returns and reducing risks.

Titan's minimum investment is $500, and only includes Bitcoin (BTC) and Ethereum (ETH) (50/50) in the portfolio since April 2023. Its fees range from 0.70% to 0.90%, depending on your account balance (it's 0.90% unless your balance is over $24,999). There is an additional 0.15% fee per transaction.

In addition to cryptocurrency management, Titan also offers traditional equity and alternative investing, and a high-yield cash account. Whether you're all about crypto or you want to mix it up with traditional investments, Titan has you covered. But they aren't for your beginner investor.

Since Titan's decision to sell off all altcoins and focus on a 50/50 BTC/ETH mix, which we don't necessarily disagree with, we don't think their management fees are worth the cost, since you could simply make this investment yourself through any crypto trading platform or with Wealthfront Crypto for much lower fees.

If you're a European and you want crypto investing without the headache, CryptoSimple is a good bet. They take care of the tricky stuff, creating a personalized portfolio based on how much risk you're comfortable with.

It works exactly how a traditional robo advisor works, except with cryptocurrency instead of traditional investments.

Plus, CryptoSimple offers educational resources to help you understand the crypto market better. It's all about making the process easy without sacrificing the potential for making some serious dough.

CryptoSimple offers three plans:

• Onyx is 0.15% monthly for balances between €0 - 10K
• Gold has a 0.13% monthly fee for balances above €10,000
• Emerald goes down to 0.11% monthly for balances over €100,000

Yes, those fees are quite high, coming in at 1.80%, 1.56%, and 1.32% annually, respectively.

But if you're on a Gold plan or above, you also get goal-based planning and a team of financial advisors on your side.

Coinrule is a top choice for a crypto robo advisor because of its rule-based trading strategies.

While not technically a crypto robo advisor, you can set up automated trades and ride the market trends without having to be glued to your screen.

Coinrule also has a platform for testing out your investment strategies before you put real money into it. And with top-tier security and a user-friendly platform, it's a great all-around option for crypto investors.

Just don't expect truly managed crypto portfolios like you get with the true crypto robo advisors. Coinrule is more for active traders who want to set up automated trading rules.

Coinrule's basic account for beginners is free, and offers two live trading rules, two demo rules, seven template strategies, and up to $3,000 monthly trading volume. Their "Hobbyist" account runs $359 per year (about $30/month) and ups the numbers to seven live and seven demo rules, 40 template strategies, and up to $300,000 monthly trading volume. 

They have two more plans available for higher-volume traders, running $719 and $5,399 yearly.